CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

Hospital bills, treatment, and prescriptions for a work-related injury or illness.

Medical expenses

Claims history

A single botched filler injection can generate a six-figure lawsuit. A data breach exposing patient records can trigger federal penalties. A slip on a freshly mopped lobby floor can land your business in court for years. Med spas sit at a strange crossroads: part healthcare facility, part retail business, part wellness destination. That combination creates an insurance puzzle most standard policies simply can't solve.


The U.S. medical spa market was valued at $8.39 billion in 2025, and growth shows no signs of slowing down in 2026. With that growth comes increased scrutiny from regulators, higher patient expectations, and a rising tide of malpractice claims. If you own or operate a med spa in South Carolina or anywhere else, building the right insurance portfolio isn't optional: it's survival. This guide breaks down every coverage type you need, from general liability and workers comp to commercial auto and industry-specific endorsements, so you can protect the business you've built.

Understanding the Unique Risks of the Med Spa Industry

Med spas occupy a regulatory gray zone that makes them uniquely vulnerable. You're performing medical procedures like Botox injections, laser treatments, and chemical peels, but you're doing it in a retail-style setting that feels more like a day spa than a clinic. That mismatch creates risk on multiple fronts: clinical liability, premises liability, employment liability, and data privacy liability, all under one roof.


South Carolina adds its own wrinkles. The state requires a licensed physician to supervise medical procedures at med spas, but supervision requirements vary depending on the procedure and the practitioner performing it. If your compliance slips, your insurance claim could be denied entirely.

Why Standard Salon Insurance Isn't Enough

A typical salon or day spa policy covers things like allergic reactions to hair dye, burns from a curling iron, or a client tripping over a cord. It does not cover injectable procedures, laser treatments, or prescription-strength chemical peels. These are medical acts, and they require medical-grade coverage.


I've seen med spa owners try to save money by keeping their old salon policy after expanding into injectables. It works great: right up until someone files a claim for nerve damage from a poorly placed filler. Then they discover their policy excludes "medical procedures" entirely, and they're on the hook for every dollar.

The Intersection of Medical and Aesthetic Liability

The tricky part is that med spa claims often blur the line between medical malpractice and aesthetic dissatisfaction. A patient who claims their laser treatment caused scarring is making a medical malpractice claim. A patient who says their lip filler looks uneven might be making an aesthetic complaint, but it can still escalate into litigation.


Cosmetic treatment claims have been rising in both frequency and severity, with some payouts reaching well into six figures. Your insurance needs to account for both types of risk, which means layering professional liability on top of general liability rather than choosing one or the other.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Businesses increasingly rely on portable tech: laptops, tablets, external drives, and mobile servers. A computer equipment floater covers these items when employees take them off-site, whether that's a sales rep carrying a laptop to a client meeting in Columbia or a nonprofit transporting presentation equipment to a fundraiser. Some policies even cover the cost of data restoration, which can be more expensive than the hardware itself.

Core Coverage: Professional vs. General Liability

These two policies form the foundation of any med spa insurance program, but they cover very different things. Confusing them, or skipping one, is the fastest way to end up exposed.


General liability covers third-party bodily injury and property damage that happens on your premises but isn't related to the services you perform. Think: a client slips on a wet floor, a delivery person trips on a step, or a visitor's property gets damaged. Professional liability (also called malpractice or errors and omissions insurance) covers claims arising from the actual services you provide: a botched treatment, an adverse reaction, or a misdiagnosis.

Comparison Chart: General Liability vs. Professional Liability

Feature General Liability Professional Liability
What it covers Slip-and-falls, property damage, advertising injury Treatment errors, adverse reactions, negligence claims
Who files claims Visitors, vendors, passersby Patients/clients who received treatment
Typical limits $1M per occurrence / $2M aggregate $1M per claim / $3M aggregate
Required by Most landlords and lenders Medical oversight boards, many states
Example claim Client trips on a rug in the waiting area Patient develops infection after microneedling

Both policies are essential. One protects your physical space; the other protects your professional practice.

Medical Malpractice for Med Spa Practitioners

Individual practitioners: nurses, nurse practitioners, physician assistants, and supervising physicians: each need their own malpractice coverage. The med spa's professional liability policy protects the business entity, but it may not fully cover individual practitioners named in a lawsuit.


In South Carolina, the supervising physician carries significant liability even if they weren't physically present during a procedure. Common claims against med spas include burns from laser devices, infections from injectable treatments, and allergic reactions to topical products. Make sure each licensed provider on your team carries individual coverage with limits that match the risk level of the procedures they perform.

Essential Business Operations Policies

Beyond liability, your med spa needs the same operational coverage as any brick-and-mortar business, plus a few extras that reflect your unique service model.

Workers Compensation for Specialized Staff

South Carolina requires workers compensation for businesses with four or more employees. Med spas often hit that threshold quickly: front desk staff, aestheticians, nurses, and cleaning crews add up fast.


Workers comp for med spa staff can be more expensive than standard retail workers comp because your employees handle medical devices, chemicals, and sharps. Needle sticks, repetitive strain from performing injections all day, and chemical exposure are real risks. Classification codes matter here: make sure your policy correctly classifies each role, because misclassification can lead to audits and premium adjustments that catch you off guard.

Commercial Auto for Mobile Services and Concierge Care

If your med spa offers mobile treatments, concierge services, or even just sends employees to pick up supplies or make bank deposits, you need commercial auto coverage. Personal auto policies exclude business use, and South Carolina's minimum auto liability limits (25/50/25) are dangerously low for a medical business.


A single accident involving an employee transporting medical equipment could exceed those minimums in minutes. Consider higher liability limits and make sure your policy covers hired and non-owned autos if employees ever use personal vehicles for work errands.

Commercial Property and Equipment Breakdown Coverage

Med spa equipment is expensive. A single laser device can cost $50,000 to $150,000. IPL machines, microneedling devices, cryotherapy units: the equipment list adds up fast. Standard commercial property insurance covers fire, theft, and weather damage, but equipment breakdown coverage (sometimes called boiler and machinery insurance) covers mechanical and electrical failures that property insurance excludes.


South Carolina's coastal areas around Myrtle Beach face hurricane and flood exposure that inland locations like Columbia or Rock Hill don't. If your med spa sits in a flood zone, you'll need a separate flood policy: standard commercial property policies exclude flood damage entirely.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Industry-Specific Add-ons and Endorsements

The policies above form your core program. These endorsements fill the gaps that standard policies leave open.

Cyber Liability and HIPAA Compliance Data Protection

Med spas collect and store protected health information (PHI): patient intake forms, treatment histories, photos, payment data. That makes you a target for cyberattacks and subject to HIPAA regulations. A single data breach can trigger federal fines, state notification requirements, and class-action lawsuits.


Cyber liability insurance covers breach notification costs, credit monitoring for affected patients, legal defense, and regulatory fines. The healthcare sector remains one of the most targeted industries for cyberattacks, and small practices are hit disproportionately because they tend to have weaker security infrastructure. If you're storing patient data digitally (and you almost certainly are), this coverage is non-negotiable.

Sexual Misconduct and Abuse Liability

This is uncomfortable to talk about, but it's essential. Med spa treatments involve physical contact in private settings. Allegations of inappropriate touching or sexual misconduct, whether founded or not, can destroy a business. Most general liability policies exclude these claims entirely.


A separate sexual misconduct and abuse liability endorsement covers legal defense costs and settlements. It also protects the business when an employee is accused, even if the owner had no knowledge. Given the intimate nature of many med spa procedures, this endorsement is one of the most important and most overlooked coverages in the industry.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

Common Questions About Med Spa Insurance

How much does med spa insurance typically cost? Premiums vary widely based on services offered, revenue, number of employees, and location. A small South Carolina med spa offering basic injectables might pay $3,000 to $7,000 annually for a general and professional liability package. Adding workers comp, cyber liability, and property coverage can push total premiums to $15,000 or more.


Does my supervising physician's malpractice policy cover the med spa? Usually not. The physician's individual policy covers their personal liability, not the business entity. The med spa needs its own professional liability policy.


Do I need separate coverage for each type of treatment? Not separate policies, but your professional liability policy needs to list every procedure you perform. If you add a new service, like PDO thread lifts or IV therapy, notify your insurer immediately. Unlisted procedures may not be covered.


What happens if I hire independent contractors instead of employees? You should require each contractor to carry their own professional liability insurance and provide certificates of insurance. Your business policy may not extend to independent contractors, leaving a dangerous gap.


Is cyber liability really necessary for a small med spa? Yes. HIPAA doesn't have a small business exemption. A breach involving even a few hundred patient records can trigger significant penalties and legal costs. Cyber liability policies for small practices are relatively affordable, often $1,000 to $2,500 per year.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Before You Buy a Policy

Shopping for med spa insurance without preparation is like walking into a car dealership without knowing your budget: you'll either overpay or end up underinsured.

Assessing Your Specific Risk Profile

Start by listing every procedure you offer, every piece of equipment you own, every employee and contractor on your team, and every location where you provide services (including mobile). This inventory drives your coverage needs.


An independent agency like CSP Insurance Services can compare policies across multiple carriers to find the right fit, rather than forcing you into a single company's product line. That matters in a niche like med spa coverage, where policy terms and exclusions vary dramatically between insurers. With over 80 years of experience serving South Carolina businesses, CSP's team understands the state-specific requirements that national brokers often miss.

Reviewing Policy Exclusions and Limits

Read every exclusion. Seriously. The most common coverage gaps in med spa policies include exclusions for procedures performed by unlicensed staff, treatments not listed on the policy, claims arising from expired products, and incidents at off-site locations.


Pay close attention to your per-claim and aggregate limits. A single malpractice claim can easily reach $250,000 to $500,000 when you factor in legal defense, expert witnesses, and settlements. If your policy limit is $1 million aggregate and you face two claims in one year, you could exhaust your coverage fast.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

Your Next Steps

Building the right insurance program for a med spa takes more than picking the cheapest quote online. You need coverage that accounts for the medical, retail, and operational risks unique to your business, and those needs change as you grow, add services, or expand locations.


The smartest move is working with an independent agency that can shop multiple carriers on your behalf and tailor a package to your specific situation. If you're operating a med spa in Florence, Myrtle Beach, Columbia, Rock Hill, or anywhere else in South Carolina, CSP Insurance Services can walk you through your options without the runaround of call centers or chatbots. Request a quote to start a conversation about what your med spa actually needs: not what a one-size-fits-all policy assumes you need.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

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Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

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Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

We compare several carriers to find a policy that fits you, not one company's products.

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

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Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

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Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

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We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

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Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

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Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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2420 Hoffmeyer Road, Suite D
Florence, SC 29501

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